Archive for Adoption Fees

What Are the Benefits of Paying an Adoption Agency in Advance?

why should we be paying an adoption agency in advance?“Why should we pay adoption fees up front, before we have a match? I have a friend who is adopting too, and she says that her agency only asks for part of the fee up front. And then once they’re matched, they pay the rest of the fee. Why should we be paying an adoption agency in advance?”

At our adoption agency and with many adoption professionals, the client pays fees when we begin working together. By doing so, we’re telling you that we’re going to put all of our efforts into your adoption. Paying your adoption fees in advance also means that you’re willing to make yourself available to consider every one of the birth mother situations we present to you. When you have the commitment like this coming on both sides, the adoption will succeed.

Some will argue against paying an adoption agency in advance, and say things like “But if we pay up front, the agency has no incentive.” If your adoption professional has a good track record and wants to keep it that way, they need to keep their clients satisfied! At Lifetime Adoption Agency, this has always been our incentive.

Another agency, such as the one your friend is contracted with, might ask you to pay a small fee up front. A second fee is due once they match, and a third fee is due once their child comes home. We’ve found that this fee structure actually works against the adoptive couple.

The agency is motivated to get you a match, even if it’s not a solid one. If the adoption falls through or the birth mother reclaims her baby, you don’t get a refund on that match fee. The next time they have a match for you, you’ll need to pay again.

It’s best to find an adoption agency that will charge you one flat fee for the work it does to find you a child. You need an agency that will work with you for a set period of time, or until a match is found.

We’d love to know more about your adoption goals! Connect with Lifetime to ask your adoption questions by calling 1-800-923-6784.

How to Afford Adoption with a LightStream Adoption Loan

You CAN afford adoption with a LightStream adoption loan!All lending services are provided by LightStream, a division of SunTrust Bank, and we may be compensated by LightStream through links on this site.

At the Lifetime adoption agency in Florida, we don’t want a lack of finances to stand in the way of you being able to adopt. The cost to adopt can be an obstacle for many people. Fortunately, there is a unique adoption loan available to help families pay the fees connected to adopting.

A LightStream adoption loan makes it possible for you to expand or begin your family through adoption. You don’t need to be working with our adoption agency in Florida to apply for LightStream’s loan. Any hopeful adoptive family can take advantage of this financial assistance.

You’re able to use LightStream’s loan to pay for anything relating to your adoption process. For example, you might use it to pay adoption professionals, for adoption travel, to cover the costs to print adoption profiles, or even furnishing your future baby’s nursery.

LightStream’s loan creates an affordable answer for those hoping to adopt. Here’s some info about LightStream’s Adoption Loan:

  • Loan amounts begin at $5,000
  • You’re able to get a loan for up to $100,000
  • Low fixed rates
  • This is an unsecured loan (meaning, you don’t need to put up your house or another valuable asset as collateral)
  • The loan process is simple and completely online, from your application to funding
  • Flexible terms
  • No late fees
  • No loan origination fee
  • If you pay off your loan early, LightStream will not charge you any additional fees

Visit to apply for a LightStream Adoption Loan.

So that you get a low-interest rate, LightStream has a “rate beat” program. They will beat an interest rate (APR) from any other lender by .10 percentage points. The other lender’s rate needs to meet the terms and conditions as described here. Wondering about their “rate beat” program and what makes LightStream different from other lenders? Check out this short video.

Here what others have said about LightStream’s Adoption Loan:

“They have an unbelievable interest rate! We applied and were approved within 24 hours.”

“We got approved for our adoption loan with LightStream today, and the funds should be in our account by tomorrow!”

“The loan we received through LightStream was fantastic. Best experience I’ve ever had. Fast, quick, easy. I couldn’t say enough or tell enough people about it. I was amazed how simple it was.”

To get more information and apply, visit

Saving Money to Adopt? Here Are 7 Financing Tips!

If you’re trying to bring a child into your family through adoption, here are seven tips to help you raise money:

  1. Read the grocery store’s ads/circular before you go to the store.
  2. Consider getting a membership at a big box store such as Sam’s Club or Costco. Many times, the membership price is worth the deals on food and other items.
  3. Try to cook most of your meals at home and make lunches to bring to work. When you dine out, use coupons or order daily specials when at all possible. is a wonderful resource for restaurant deals and coupons.
  4. Go thrift store shopping. Make a list of items and sizes you may need in the future. Many thrift stores have special sale days or racks. These stores also usually have furniture, home decor, toys and videos for sale.
  5. Go to garage sales and yard sales; most people price their clothing to sell and it’s often new or barely used. Plus, sellers are often willing to negotiate their prices. Study each item to make sure zippers and buttons work and there aren’t any stains.
  6. Drugstores like Walgreens and CVS have rewards programs in place. This allows you to be rewarded “dollars” for buying certain items. Then, you can turn around and use these “dollars” on a future purchase.
  7. Look through your local Craigslist site; it’s a great place to purchase and sell everything from furniture to cars to services.  On Craigslist, it’s important to check back often on categories that you’re interested in.

Do you have any smart penny-pinching ideas that aren’t on our list? Please leave us a comment!

Learn About Our Adoption Financing and Payment Options

Are adoption costs holding you back from pursuing the adoption of your dreams? Look into payment options!

Right now, Lifetime Adoption Agency has a program where you can make interest-free payments towards your adoption.  In this short video, Lifetime Adoption’s Founder Mardie Caldwell describes your adoption financing options further:

Learn more by giving us a call at (727) 493-0933.